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You work to make a difference. At VANTREO, we are committed to doing the same. We partner to bring world-class solutions in all areas of property/casualty, workers compensation, management liability, employee benefits and organizational continuity risk. And every VANTREO solution is delivered on a service platform designed to make administration easy and to save you valuable time.

 

Non Profits are some of the most intricate and complicated businesses to properly insure due to their varied and unique operations. In addition to the standard coverages found in a package policy, we includesome of the most important, and overlooked, areas of coverage for non-profit organizations.

 

Typical Non-Profit insurance coverage includes (also see Special Coverage Explanations below):

  • Workers Compensation
  • Employee Benefits 
  • Abuse and Molestation
  • Vehicle exposures
  • Volunteer Accident coverage
  • Professional liability
  • Building & Personal Property
  • Business Income coverage
  • Directors & Officers liability
  • Special Events with Liquor Liability
  • General Liability protection
  • Employment Practices Liability
  • Cyber Liability

Optional coverage tailored to your specific needs

  • Historic Buildings
  • Solar structures
  • Green Building Upgrades

Risk Management Services:

  • Support for self-insured operations
  • Human Resources support
  • Contract reviews (for insurance provisions)
  • Loss control and ergonomics support
  • Legislative Compliance
  • Claims Management support
  • HR onboarding and Benefits admin technology
  • Management training on insurance, leadership, safety, compliance, goal setting, etc.
  • On-demand insurance documents, work comp claim reporting, OSHA logs, auto ID cards, etc.
  • Corporate education – live trainings, virtual trainings & webinars
  • Bi-lingual services

 

The recent fires in Sonoma and Napa counties have brought to light the heartache of uninsured or underinsured loss. Comprehensive, well-considered insurance with ample limits is "gold" when a catastrophic loss occurs. 

We specialize in building the proper risk management and insurance program to help strengthen non-profit organizations. 

 

Consider us your "next in line" insurance broker. 

 

Let us know how to begin a conversation with you.

 

Get Started

 

IMPORTANT SPECIALTY COVERAGE EXPLANATIONS

 

Abuse and Molestation – protects insured from claims of client abuse or molestation by employees or third parties, like volunteers.

 

Volunteer Accident Coverage – Most workers’ compensation policies do Not cover any injuries sustained by volunteers. Many nonprofits want to provide at least a minimal amount of coverage for injury or illnesses that their volunteers may incur while volunteering for their organization.

 

Professional Liability – Many non profits, such as religious organizations, crisis centers, schools, etc.. engage in counseling and providing advice to the general public. These type of professional services are typically not covered under a general liability and property ( Package Policy ). Therfore, professional liability coverage is needed to protect the organization from lawsuits.

 

Directors and Officers protection – Serving on the board of a Non Profit can be financially risky for each and every board member. The coporate status of a non profit typically does NOT protect board members from liability from lawsuits brought by the general public. A separate non profit Directors and Officers policy is needed to protect one’s personal assets while serving on the board.

 

Special Events with liquor liability coverage - Most non profits survive financially by conducting a variety of fundraisers. Most types of fundraiser activities like, silent auctions, sporting events, banquets, holiday celebrations, etc.. are NOT covered under a typical package policy. Non Profits need to make sure that their insurance policy has coverage for each type of special event, and if needed, that the coverage includes liquor liability regardless if the non profit is serving the alchohol or uses a bartender.

 

Business Income coverage – Since most non profits rely on donations for income, getting business income coverage right is crucial. Attention should be given to potential loss of donations from loss or reputation, loss of government funds, and donors not fulfilling donation pledges.

 

Cyber Liability and data theft coverage- cyber liability and data theft coverage should be a huge concern for non profits. Any non profit that collect funds VIA credit card are at risk of potentially large cyber liability claims. For example, if a non profit has a place on its website to collect credit card information for donations, the non profit becomes liable for any type of breach of the credit card information, regardless if it is hosted in “the cloud” or process by the credit card company.

 

Employment Practices Liability Insurance (EPLI) – Protect the organization from claims such wrongful termination, failure to hire, discrimination of sex, gender, sexual harassment,  etc.. Due to the large number of volunteers that many nonprofits use, this is another critical coverage.

 

Consider us your "next in line" insurance broker. 

 

Let us know how to begin a conversation with you.

 

Get Started